Sales Manager

Home Credit; Ghaziabad District; On-site; INR 700,000 - 1,200,000; Full time

Job summary

Home Credit is seeking a Sales Manager to drive business volumes in the Near Prime LAP segment through direct sourcing and channel management. The role focuses on market understanding, customer acquisition, and strong relationship management with connectors, DSAs, and channel partners.

Key responsibilities include achieving disbursement targets, building partner networks, and ensuring portfolio growth with healthy quality.

Qualifications

• Strong market understanding of LAP and mortgage products.
• Proven ability to acquire customers and build a partner network.
• Effective relationship management with DSAs, connectors and partners.
• Result-driven with target orientation.

Responsibilities

• Drive disbursement targets for LAP through direct and partner channels.
• Build and manage relationships with DSAs, connectors, and partners to source LAP business.
• Drive portfolio growth while maintaining asset quality.
• Monitor IRR and influence product mix to achieve targets.
• Ensure channel productivity without compromising quality.
• Collaborate with Credit, Operations, and Cross-functional teams.
• Lead market mapping and scheme promotion in the LAP segment.
• Mentor a sales team and support digital lead-generation campaigns.

Skills

LAP products

Channel management

DSAs network

Negotiation

Team leadership

Market mapping

Credit policy liaison

Job description

The Sales Manager will be responsible for driving business volumes in the Near Prime Loan Against Property (LAP) segment through direct sourcing and channel management. The role requires strong market understanding, customer acquisition skills, and relationship management with connectors, DSAs, and channel partners.

Key Responsibilities

• Drive disbursement targets for affordable LAP through direct and partner-led channels.
• Build and manage relationships with DSAs, connectors, and partners to source quality LAP business.
• Portfolio Growth Drive disbursement volumes within the assigned territory while ensuring balanced growth across channels and partners.
• Portfolio Quality – Maintain healthy asset quality by sourcing high-quality customers and ensuring adherence to credit policies.
• IRR Management – Monitor yield/IRR of disbursed cases; drive product mix (e.g., higher ticket LAP vs. affordable LAP) to achieve targeted IRR levels.
• Channel Productivity – Ensure sourcing partners/dealers maintain required productivity levels without diluting portfolio quality.
• Work closely with the Credit Manager to ensure faster turnaround and better approval ratios.
• Conduct regular market mapping, competitor analysis, and scheme promotion to stay ahead in the LAP segment.
• Train, mentor, and manage a small sales team (if applicable) for productivity and quality sourcing.
• Support digital initiatives and lead generation campaigns for LAP.

Key Skills & Competencies

• Strong knowledge of Prime LAP and mortgage products.
• Established network with DSAs, connectors, and property brokers.
• Good communication and negotiation skills.
• Ability to work with cross-functional teams (credit, operations, collections).
• Target-driven and self-motivated.